Offered Services

Choosing an advisor

When it comes to choosing someone (or something) to help guide you through your financial life, there are seemingly endless options. We’ve always operated under the premise that choice is a good thing, but in this information-filled age, how do you choose your advisor? We hope the following summary of our offered services helps you analyze and compare the various options available to you and allows you to move forward with confidence towards a secure financial future. 
Note:  Each of the planning and investment services we offer is tailored to you and is designed to meet your individual investment objectives, financial needs and risk tolerance. They are drawn from research and analysis we believe to be reliable and appropriate to your financial circumstances. We strive to provide the best service to our clients by making ourselves informed and available. We look forward to working with you!

Planning services

As a team of CERTIFIED FINANCIAL PLANNER professionals, planning is at the core of who we are and is the crux of what we do. It is the foundation for our investment recommendations and ultimately your portfolio design. Our plans are complete, looking at both sides of your balance sheet, and they include the following components, as applicable:
  • Prioritization and documentation of goals
  • Overview of personal net worth and personal balance sheet computation
  • Cash flow analysis and a review of various strategies for the efficient use of your capital.  This also includes emergency cash savings analysis.
  • Liability management including debt repayment strategies
  • Education/college planning
  • Asset allocation review and evaluation
  • Review of retirement savings strategies including financial projections of assets required at the estimated retirement date utilizing Wells Fargo Envision or Naviplan, depending upon the circumstances.
  • Retirement income and liquidity planning, including retirement readiness analysis and Social Security and pension claiming strategies.
  • Life insurance needs analysis including current policy reviews.
  • Risk analysis to assess personal exposure to financial risks and to develop a risk management plan.  This often includes a review of life insurance, long term care insurance, disability income insurance, liability insurance, and homeowners and auto policies.
  • Tax planning strategies including investment tax minimization, intra-state relocation computation, charitable giving and retirement income optimization/withdrawal strategies.
  • Sensitivity analysis including stress tests for longevity, higher inflation, higher or lower investment returns, earlier or later retirement dates, etc.
  • Health and extended care planning including a financial assessment of your health insurance/Medicare options, long term care planning and a review of the practical implications of your appointees for health issues.
  • Estate Planning Strategies, including estate valuation estimates, federal estate tax estimates, wealth-transfer goals, and explanation of estate planning strategies.
After our analysis is complete, your plan components will be integrated and prioritized into a comprehensive and personalized action plan, also called your financial operating manualYour plan will be presented in writing (hard copy or electronic) and will be reviewed in detail with you. If necessary for the implementation of your action plan, we will coordinate with your current CPA, estate planning attorney and other trusted professionals. If you’re in need of one of these types of professionals, we’re happy to provide you with referrals. Once the plan has been presented, we will continue to work with you and monitor progress towards your stated goals.

Investment Management

For clients who have engaged us for our comprehensive planning process, following your plan presentation and agreement to proceed, we will guide you in investing your hard-earned dollars, according to the strategy derived and dictated by the results of your personal plan. While our preference is to take all clients through our team’s planning process, we recognize that some clients may have created an investment plan in the past and feel confident with their current strategy. These clients are generally comfortable with their current financial position and are looking for ways to optimize the strategy they currently have or they’re now wanting to plan for specific goals or circumstances. Regardless of how you choose to partner with us, our investment management includes the following:
  • Review of current investment portfolio and development of an asset management/allocation strategy
  • Recommendations designed to meet your stated goals and objectives, supported by relevant financial information
  • Monitoring of financial performance in relation to pre-determined benchmarks and your own financial plan with the aim of determining “are you on track?”
  • Ongoing review and assessment of assumptions incorporated into financial plan given changes in economic, political, and regulatory environme
  • Portfolio risk reduction strategies, as or if appropriate
  • Education and information regarding general asset classes such as equities (both domestic and foreign), debt, government securities, and municipal securities, or general types of investment vehicles in which you may invest.
  • Well-researched investment allocations, products, techniques and strategies that may involve long-term or short-term holdings of securities or other investment products, and insurance and trust strategies, depending on your financial goals, objectives and desires.
  • Regularly scheduled meetings for plan and investment review – can be via e-mail, phone or in-person.

Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC. Member SIPC.

Kate E. Eiland, First Vice President – Investment Officer and Elise L. Kausen, First Vice President – Investment Officer hold the CERTIFIED FINANCIAL PLANNER professional designation.

Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies. Trust services available through banking and trust affiliates in addition to non-affiliated companies of Wells Fargo Advisors. Wells Fargo Advisors and its affiliates do not provide legal or tax advice. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state. IMPORTANT: The projections or other information generated by NaviPlan regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time.

Asset allocation and diversification are investment methods used to help manage risk. They do not guarantee investment returns or eliminate risk of loss including in a declining market.

Wells Fargo Advisors is not a tax or legal advisor.

The use of the CDFA® designation does not permit Wells Fargo Advisors or its Financial Advisors to provide legal advice, nor is it meant to imply that the firm or its associates are acting as experts in this field.